Comparison

Smart Banking vs mBank CZ

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Smart Banking

Manage your bank accounts securely and conveniently from your mobile device. Perform payments, manage standing orders, and control your cards. Features include biometric login, card management, and ATM/branch locators.

Highlights
  • Secure login with PIN or biometrics
  • Make and manage payments
  • Activate/block debit and credit cards
  • Adjust card daily limits
  • Mobile top-ups
  • ATM and branch locator
Features
Read full description

With Smart Banking you always have your bank at your fingertips. The application is user-friendly and most of all secure. It enables you to enter payments, create and edit standing orders, pay a credit card, or activate a debit card. Access to the application as well as payment signatures are protected by your PIN code or biometric data (Touch ID / Face ID). Smart Banking also includes Smart Key, which you can use to authorize payments and other orders entered in Online Banking, both online and offline. In online mode using push notifications and in offline mode by scanning QR codes. You can also easily change your credentials. In case you forget your credentials, you can reset them using a photo of your ID and a selfie video. The application itself will guide you through the reset. But the application can do many more things! • Learn about what’s going on in your account after you turn on Push Notifications. • Have you lost a credit or debit card? You can simply temporarily block and unblock the card for free in the app. • You can adjust the daily limit for credit and debit card according to your needs. • Add credit to your mobile phone with a few clicks. • Check your account balance even without signing into the app with the Widget • You can also make a payment by scanning a QR code (QR payment). • In Online Banking you can use the Payment templates and stored Beneficiaries in the Smart Banking application. • Account statements, statements for credit cards and other documents can be found in Documents. • Get an instant overview of currency rates. • Are you searching for an ATM or UniCredit Bank branch? You can quickly find them in the application. How to activate the app? We have prepared a simple and unified activation process for you. Simply download the application and activate the application by using your Username and PIN. If you do not have this data, but you are a Client of UniCredit Bank, you can obtain it directly in the application.

About

mBank CZ

Manage your finances securely and conveniently with this mobile banking app. It offers real-time account overviews, mobile payments, quick money transfers, and secure online transaction confirmations. Easily manage your cards, order virtual cards, and access various banking products.

Highlights
  • Real-time account overview and notifications
  • Mobile contactless payments
  • Quick money transfers via QR codes or phone numbers
  • Secure online payment confirmation with mKlíč
  • Payment card management (limits, PIN, blocking)
  • Virtual card ordering
  • Loan, savings, and insurance applications
Features
Read full description

Mějte své finance stále pod kontrolou a v bezpečí zároveň. Mobilní aplikace od mBank skloubila nejpokročilejší bezpečností systémy s uživatelsky přívětivým prostředím. Správa peněz ještě nikdy nebyla vymakanější. Jak vám mobilní aplikace od mBank usnadní život? 1. Přehled o svých financích budete mít stále po ruce – díky notifikacím se hned dozvíte o každém pohybu na účtu. 2. Otevře vám cestu do světa mobilních plateb – s bankovnictvím v mobilu vám k bezkontaktním platbám stačí telefon a palec nebo chytré hodinky. 3. Převod peněz bude otázkou pár kliknutí – uskutečníte jej snadno a rychle pomocí QR kódů nebo mobilních čísel. 4. Online platby se stanou ještě bezpečnější – k jejich potvrzení použijete mKlíč, který chrání váš unikátní PIN nebo biometrie. 5. Usnadní vám správu platebních karet – nastavení limitů, změny PINu nebo rychlého zablokování karty. 6. Zpřístupní vám výhody virtuálních karet – eKartu si snadno objednáte přímo v aplikaci. 7. Umožní vám sjednání půjčky, spoření, pojištění a dalších bankovních produktů – předschválenou půjčku můžete mít na účtu do 3 minut. Co se bezpečnosti týče, jsme nekompromisní Bezpečnost vašich financí je pro nás prioritou. Proto mobilní aplikaci od mBank chrání ty nejpokročilejší funkce. • Přihlášení a každý úkon vyžaduje vámi vybraný unikátní PIN nebo ověření pomocí otisku prstu, případně obličeje. • Při odcizení telefonu aplikaci odpojíte skrz internetové bankovnictví. • Díky pokročilým šifrovacím protokolům nikdo nezneužije vaše hesla, PINy ani další osobní údaje. Ještě nemáte mKonto? Vyhněte se návštěvám poboček. Bankovní účet od mBank si založíte pohodlně odkudkoli. Stáhněte si mobilní aplikaci mBank a dostaňte své finance pod kontrolu ještě dnes.

Screenshots

Smart Banking4 screens
mBank CZ4 screens

Verdict

The call

The clearest difference is update cadence: mBank CZ at every 2 weeks against Smart Banking's every 2 months. Smart Banking's advantage is review sentiment (57% vs 46%) and iOS requirement (15.0 vs 18.0). On price, rating, ratings volume and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Smart Banking holds the better App Store score, 4.6 against 4.4. Both are backed by a comparable volume of ratings — 418 and 252 respectively. Written reviews point the same way: 57% of Smart Banking's written reviews are positive against 46% of mBank CZ's.

UpkeepUpdate frequency

Smart Banking ships an update every 2 months, mBank CZ every 2 weeks. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.

Scorecard3 real differences · 7 level
Smart Banking versus mBank CZ: the parameters behind the verdict, then further details
ParameterSmart BankingmBank CZ
PriceFreeFree
Rating4.6 (418 ratings) — better4.4 (252 ratings)
Positive reviews56.7% of reviews — better46.4% of reviews
Number of ratings418 — better252
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better18.0
Further details — not scored
Size708 MB172 MB
Age rating4+4+
DeveloperUniCredit Bank Czech Republic and Slovakia, a.s.mBank S.A.

Customer experience

Smart Banking

All ratings418 ratings
Positive90.9%
Neutral1.7%
Negative7.4%
Written reviews30 reviews
Positive56.7%
Neutral0.0%
Negative43.3%

mBank CZ

All ratings252 ratings
Positive87.3%
Neutral2.8%
Negative9.9%
Written reviews28 reviews
Positive46.4%
Neutral10.7%
Negative42.9%

Bugs and requests

Smart Banking

Reported bugs

15 issues
  • UI/backend feels slow
  • Just-submitted payment does not show up in the history
  • App shows error “WBS:IP10110” or “Uživatel není oprávněn k podpisu” after entering PIN
  • Accidental double payments due to error messages
  • Forced updates from time to time
Show 10 more
  • “App Support” link in App Store is broken
  • Corresponding speed of in-app clicks is slow
  • Wait time to enter the software is long
  • App activation is absolutely horrible
  • PIN requirements went crazy
  • Doesn’t work with latest IOS, no screen activation possible
  • Doesn’t work with the latest version of iOS . It crashes before even log in!
  • App stopped working after update and iOS 11.02
  • App doesn't work with iOS update 10.3.1. After login app just crashes.
  • App decided to stop letting me log in. It just says “please wait” forever.

Requested features

5 requests
  • Dark mode option
  • Easier money transfer between personal accounts
  • Feature to help manage being in the red
  • Improved chat functionality
  • Re-establish partnership with Lufthansa Miles & More

mBank CZ

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Smart Banking

No in-app purchases

None

mBank CZ

No in-app purchases

Questions

Is Smart Banking free?
Smart Banking is free to download, with no in-app purchases.
Is mBank CZ free?
mBank CZ is free to download, with no in-app purchases.
Which has better reviews, Smart Banking or mBank CZ?
Smart Banking is rated higher. Smart Banking averages 4.6 out of 5 from 418 ratings, while mBank CZ averages 4.4 from 252 ratings.
Do Smart Banking or mBank CZ have ads?
Neither Smart Banking nor mBank CZ shows ads.
Which is updated more often, Smart Banking or mBank CZ?
Smart Banking ships an update every 2 months, and mBank CZ every 2 weeks. Most recently, Smart Banking was updated on September 23, 2026 and mBank CZ on September 22, 2026.

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